Spencer - Privacy Policy

This Privacy Policy describes how Spencer - Budget Tracker ("we", "our", "us") handles information when you use our mobile application.

Complete Offline Operation & Data Storage Spencer is built as an offline-first, local-only personal budgeting and finance tracking application. All financial records, transaction entries, budgets, investment logs, and account balances you input are stored strictly locally on your device using secure on-device storage.

We do not operate external web servers, databases, or cloud backup services for your financial records. Consequently, your data never leaves your physical device and is not transmitted to us or any third parties.

Data Collection

Personal Data: We do not collect, request, or store any personally identifiable information (such as your name, email address, phone number, or billing information).
Financial Data: We do not collect, monitor, or transmit any financial entries or data you log within the application.
Device Permissions: The application runs without requiring access to sensitive device permissions (such as location, contacts, camera, or microphone).

Third-Party Services and Analytics Spencer does not integrate third-party analytics services, software development kits (SDKs), advertising platforms, or tracking pixels. Your application usage remains completely private and untracked.
Data Retention and Deletion Since all data is stored on your device, we do not retain or manage your data. You have complete control over your data. If you wish to delete your logged financial data, you can do so at any time by:

Clearing the app storage/cache in your device settings.
Uninstalling the mobile application from your device.

Changes to This Privacy Policy We may update our Privacy Policy from time to time. Any changes will be reflected by updating the "Last updated" date at the top of this page. You are advised to review this page periodically for any modifications.
Contact Us If you have any questions or suggestions regarding this Privacy Policy, do not hesitate to contact us at: [email protected]